Metlife Car Insurance Review 2021

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
Drivers who switch to MetLife with Jerry save an average of $1,174 per year on their car insurance.
Finding the right car insurance policy can be a pain—hold music, documents you can’t find, and countless questions you don’t know off the top of your head. Instead of putting up with all the things you dread, download the car insurance comparison shopping and broker app Jerry.
Jerry generates competitive quotes from top providers in less than a minute.
Not only that, Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassle.
Here are some real quotes from Jerry users:
Quote DateCar MakeCar ModelStateCityAge
Annual Savings after Switching to Metlife with Jerry
2020-11-06HondaInsight EXPAReading18-20$396
2020-09-02PorscheCayenneNYRochester35-44$108
2021-08-13FordFiesta SEILChicago21-24$72
2020-10-25RamPromaster CityPAPhiladelphia35-44$744
2021-03-10HyundaiSonata SEAZPhoenix25-34$2,232

Quick look: MetLife car insurance

Good for
Combining home and auto insurance
A wide selection of insurance offerings
Above average customer satisfaction

What coverages does MetLife offer?

MetLife offers a good range of standard coverage types, with a mixture of required and recommended options.

Most common coverages

  • Liability insurance: Liability insurance is mandatory in most states. It includes bodily injury liability and property damage liability, both protect other drivers if you’re at fault in an accident.
  • Comprehensive insurance: Comprehensive coverage is optional in every state, but might be required if you are leasing or financing your vehicle. It covers damage that’s unrelated to a collision, such as vandalism, theft, or bad weather.
  • Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection covers you for an accident with a driver who either has insufficient insurance or none at all. It’s required in some states.
  • Collision insurance: Collision coverage is technically optional, but if you are renting or financing your vehicle it might be mandatory. It covers the damages that result from a traffic accident (regardless of who is at fault) or a collision with a stationary object.

Helpful add-ons

  • New car replacement: This coverage will either replace or repair your car if you total it within your first 15,000 miles or one year of ownership.
  • Major parts replacement: If you get into an accident, this add-on will replace important parts of your vehicle—such as tires and brakes—without considering the car’s age or state.
  • Roadside assistance: Sometimes known as towing and labor coverage, roadside assistance includes services like towing, battery boosts, and flat tire repairs.
  • Gap insurance: Short for “guaranteed asset protection,” gap insurance covers any leftover payments you have on your vehicle if it’s totaled—even if the cost of the loans exceed the cost of the car.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

How much does MetLife auto insurance cost?

The average annual car insurance premium for minimum insurance with MetLife is $1,060. The average cost of full coverage—which offers more comprehensive protection—is --.
Insurance providers consider a number of different factors when determining your costs, such as age, driving experience, collision history, and personal profile. That means premiums can change from driver to driver.
Here’s the average monthly payment for minimum and full-coverage insurance with MetLife.
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
$91--
Younger drivers with MetLife pay an average of $1,689 per year, meanwhile, older drivers pay an average of $1,314 per year.
Age has a major influence on insurance premiums. Teenagers are typically more high-risk drivers.
Teenage drivers are nearly three times more likely than drivers over 20 to get into an accident. Because of the high-risk factor, they’ll likely pay significantly more for their insurance than the average driver over 20.
Here’s what drivers pay with MetLife based on their age group.
Age GroupAnnual Cost
Annual Savings after Switching to Metlife with Jerry
18-20$1,566$1,008
21-24$2,275$1,337
25-34$1,428$830
35-44$1,347$1,058
45-54$1,636$796

Who qualifies?

MetLife provides insurance for drivers of all ages.
MetLife specializes with younger and middle-aged drivers with infractions at a competitive rate.
Here’s the average annual cost of MetLife insurance for drivers with an infraction on their record.
Driving InfractionAnnual Cost
Annual Savings after Switching to Metlife with Jerry
Clean Record$1,556$1,021
DUI$3,156$504
Speeding over 15$1,534$1,766
Speeding under 15$2,014$1,346
Other$2,886$969
Key Takeaway MetLife offers insurance for drivers of all ages and they provide good rates for young drivers or those with infractions.
MetLife insurance is available nationwide.
As a licensed broker, Jerry helps you choose from competitive quotes from up to 45 top insurance companies.s No long forms. No calling around. No hard work. Just savings. Not to mention, the average Jerry user saves $879 a year on car insurance.
Once you select your top pick, Jerry takes care of finalizing the paperwork and cancels your old policy.
Here’s the average annual cost of MetLife in every state.
StateAnnual Cost
Annual Savings after Switching to Metlife with Jerry
AZ$1,737$737
CT$5,168$1,384
FL$2,200$676
GA$2,304$1,500
IL$1,734$66
IN$756$344
ME$1,854$2,396
ND$960$1,080
NM$1,492$280
NY$1,299$1,313
OH$1,051$1,125
PA$1,714$1,019
SD$744$200
TX$1,695$1,753
WI$1,380$846
WV$2,604$1,476
Key Takeaway Using Jerry can help you find the best coverage at the most affordable price, regardless of your state.

Discounts

MetLife offers plenty of discounts to help policyholders reduce the cost of their car insurance premiums. While each discount tends to be small individually, combined they can make a big difference in your annual rate.
Here are some of the most common discounts offered by MetLife:
DiscountDescription
Deductible savings benefitMetLife offers you $50 each year you don’t make a claim, with a cap of $250, to put towards a deductible. Though not available in all states, it can reduce the cost of any bumps or bruises on your car
Good student discountHigh school or college students with good academic standing can qualify for lower rates
Superior driving discountIf your entire household holds a clean driving record, you can qualify for lower rates
Defensive drivingPolicyholders who finish a defensive driving course can save on their policy
Safety featuresCars with extra safety technology, such as anti-theft devices, could qualify for a discount
Here are some common policy-based discounts with MetLife:
DiscountDescription
Multi policy discountIf you bundle multiple cars, or serve as a policyholder for home and auto insurance, MetLife will give you a reduced rate
Automatic paymentSetting up automatic payments could lead to a discount
MetLife MyDirectMaking claims and paying bills online will earn you a cheaper rate
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

Additional services

MetLife’s My Journey program is available in 20 states. My Journey tracks and scores your driving through a telematics app. Users get a one-time enrollment discount of 25%, and upon renewal can save 30% for safe driving.
MetLife also has a thorough home insurance package. It provides coverage for theft, natural disasters, and vandalism. Policyholders also benefit from customizable plans that can involve replacement costs and liability coverage.
Bundling home and auto insurance can also help you save.
MetLife has an expansive array of other insurance products:
  • Life — but only through your employer
  • Dental
  • Condo
  • Renters
  • RV/Motorcycle
  • Boat
  • Landlord
  • Vision
  • Accident & Health

Things to keep in mind

Payment options

Customers can make payments via the MyDirect site, as well as over the phone. Payments can also be set up automatically for a reduced premium.
Mail-in payments are also available.

Cancelation policy

To cancel MetLife, policyholders have to call or email a representative. As long as you have your policy number, cancelation should be relatively straightforward. There may be a small fee, though.
Still have some questions?
Learn how Jerry can help you save money on car insurance, our policies, privacy, customer service, and more.
Read FAQ

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free